Last update: Oct 2026

Cost of Living Comparison Between Severn, MD and New York, NY

For one person, living is cheaper in Severn, MD: $2,620 a month against $4,941 in New York, NY, rent and utilities included – about $27,900 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Severn, MD
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Severn, MD Living Index
239

Cost of Living Index in New York, NY
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New York, NY Living Index

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Severn, MD

🇺🇸 United States

$2,620

/mo nomad

New York, NY

🇺🇸 United States

$4,941

/mo nomad

Monthly Cost of Living

How much you'll spend in Severn, MD and in New York, NY

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Severn, MD and in New York, NY actually costs, broken down by who's living it.

A single person spends $2,620 per month in Severn, MD vs $4,941 in New York, NY, rent included.

Severn, MD $2,620
New York, NY $4,941

A couple spends around $3,893 per month in Severn, MD vs $7,225 in New York, NY, rent included.

Severn, MD $3,893
New York, NY $7,225

A family of three spends $5,165 per month in Severn, MD vs $9,509 in New York, NY, rent included.

Severn, MD $5,165
New York, NY $9,509

Severn, MD is about 47% cheaper than New York, NY, and outside of rent the biggest gap is in groceries.

Both Severn, MD and New York, NY sit above the global median – Severn, MD by 93%, New York, NY by 263%.

Meal at Budget Restaurant

$17.68 $17.68

$28.55 $28.55

-38.07%

Three-Course Dinner for Two, Mid-Range

$96.2 $96.2

$118 $118

-18.83%

Fast Food Meal (McDonalds, etc)

$10.63 $10.63

$15.04 $15.04

-29.32%

Cappuccino

$5.38 $5.38

$6.53 $6.53

-17.61%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.99 $2.99

$3.96 $3.96

-24.49%

Water (0.33 liter bottle)

$2.53 $2.53

$3.01 $3.01

-15.95%

Local Beer (0.5 liter draught)

$6.86 $6.86

$8.16 $8.16

-15.93%

Imported Beer (0.33 liter bottle)

$7.92 $7.92

$9.84 $9.84

-19.51%

Milk (1 liter)

$1.10 $1.10

$1.37 $1.37

-19.71%

White Bread (500g)

$3.99 $3.99

$4.97 $4.97

-19.72%

Rice (white) (1kg)

$4.20 $4.20

$7.81 $7.81

-46.22%

Eggs

$4.80 $4.80

$5.97 $5.97

-19.60%

Local Cheese (1kg)

$12.93 $12.93

$18.91 $18.91

-31.62%

Chicken Fillets (1kg)

$12.92 $12.92

$18.04 $18.04

-28.38%

Beef Round Steak (1kg)

$18.62 $18.62

$19.05 $19.05

-2.26%

Apples (1kg)

$5.77 $5.77

$6.76 $6.76

-14.64%

Banana (1kg)

$1.59 $1.59

$2.27 $2.27

-29.96%

Oranges (1kg)

$4.78 $4.78

$6.83 $6.83

-30.01%

Tomato (1kg)

$4.99 $4.99

$7.09 $7.09

-29.62%

Potato (1kg)

$2.69 $2.69

$4.22 $4.22

-36.26%

Onion (1kg)

$2.81 $2.81

$4.65 $4.65

-39.57%

Lettuce (1 head)

$2.27 $2.27

$2.87 $2.87

-20.91%

Water (1.5 liter bottle)

$2.34 $2.34

$2.60 $2.60

-10.00%

Cigarettes 20 Pack (Marlboro, Camel)

$9.47 $9.47

$18.77 $18.77

-49.55%

Wine (Bottle)

$15.41 $15.41

$20.13 $20.13

-23.45%

Local Beer (0.5 liter bottle)

$2.66 $2.66

$3.45 $3.45

-22.90%

Imported Beer (0.33 liter bottle)

$2.83 $2.83

$4.02 $4.02

-29.60%

One-way Ticket (Public Transport)

$2.05 $2.05

$2.91 $2.91

-29.55%

Public Transport Monthly Pass (Regular Price)

$68.0 $68.0

$139 $139

-51.03%

Taxi Start (Normal Tariff)

$1.75 $1.75

$3.08 $3.08

-43.18%

Taxi (Normal Tariff) (1km)

$1.25 $1.25

$2.12 $2.12

-41.04%

Taxi 1hour Waiting (Normal Tariff)

$24.18 $24.18

$41.96 $41.96

-42.37%

Gasoline (1 liter)

$1.01 $1.01

$1.17 $1.17

-13.68%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$29.2K $29.2K

$34.5K $34.5K

-15.30%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.0K $26.0K

$25.9K $25.9K

0.56%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$161 $161

$219 $219

-26.69%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$50.7 $50.7

$74.2 $74.2

-31.67%

Internet (50+ Mbps, Unlimited Data)

$61.0 $61.0

$70.2 $70.2

-13.13%

Gym Membership (Monthly)

$41.54 $41.54

$112 $112

-62.89%

Tennis Court (1 Hour on Weekend)

$74.9 $74.9

Cinema Ticket

$14.84 $14.84

$22.14 $22.14

-32.97%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,608 $1,608

$3,558 $3,558

-54.80%

International Primary School, 1 Child (Yearly)

$34.6K $34.6K

$62.2K $62.2K

-44.39%

Jeans (Levis 501 Or Similar)

$53.0 $53.0

$75.6 $75.6

-29.86%

Summer Dress (H&M, Zara, etc)

$63.0 $63.0

$51.2 $51.2

23.03%

Sport Shoes (Adidas, Nike)

$94.2 $94.2

$123 $123

-23.51%

Men's Leather Business Shoes

$112 $112

$140 $140

-20.16%

1-bedroom Apartment, City Center (Monthly)

$1,581 $1,581

$4,499 $4,499

-64.85%

1-bedroom Apartment, Outside City Center (Monthly)

$1,308 $1,308

$3,078 $3,078

-57.51%

3-bedroom Apartment, City Center (Monthly)

$2,481 $2,481

$9,447 $9,447

-73.74%

3-bedroom Apartment, Outside City Center (Monthly)

$2,120 $2,120

$5,190 $5,190

-59.16%

Buy Apartment in City Center (m2)

$2,742 $2,742

$18.1K $18.1K

-84.86%

Buy Apartment Outside City Center (m2)

$2,384 $2,384

$6,693 $6,693

-64.38%

Average Monthly Net Salary (After Tax)

$5,220 $5,220

20-Year Fixed Mortgage Interest Rate (Annual %)

6.72

6.86

-2.04%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Severn, MD: October 25, 2026

Last update for New York, NY: October 26, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Severn, MD

$1.3K 49.9%

New York, NY

$3.1K 62.3% 135% $1.8K

Groceries & Markets

Severn, MD

$429 16.4%

New York, NY

$563 11.4% 31.2% $134

Eating Out

Severn, MD

$310 11.8%

New York, NY

$440 8.9% 41.9% $130

Monthly Utilities & Internet

Severn, MD

$273 10.4%

New York, NY

$364 7.4% 33.5% $91

Clothing & Footwear

Severn, MD

$145 5.5%

New York, NY

$175 3.6% 21.1% $31

Getting Around

Severn, MD

$84 3.2%

New York, NY

$164 3.3% 94.9% $80

Sport & Entertainment

Severn, MD

$71 2.7%

New York, NY

$156 3.2% 119% $85

Cost Breakdown

A central one-bedroom costs $1,581 in Severn, MD versus $4,499 in New York, NY. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $96 in Severn, MD versus $118 in New York, NY. Monthly groceries follow the same trend: $429 vs $563 – making Severn, MD the more affordable choice for daily food spending.

Good to know

🇺🇸 Severn, MD

🇺🇸 New York, NY

🕒 Local time

19:13 7:13 PM

Same time as Severn, MD

🌤 Weather

👥 Population

44,231

8,804,190

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.898 EUR

Exchange rates and currency converter

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Between locations

Severn, MD New York, NY 270 km

From you

Severn, MD
New York, NY

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Severn, MD vs New York, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 89% more than Severn, MD, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,931 per month in Severn, MD and $7,412 in New York, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Severn, MD, especially for central apartments: a one-bedroom in the center costs $1,581 there versus $4,499 in New York, NY.

Kindergarten costs $1,608 per month in Severn, MD and $3,558 in New York, NY. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 31% more in New York, NY, though the gap depends on what you buy.

$2,000 is a stretch for both – monthly costs hit $2,620 in Severn, MD and $4,941 in New York, NY. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Severn, MD – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

For expats, Severn, MD is the easier option financially – housing and daily costs are lower, and overall it costs about 47% less, which matters a lot on a fixed budget or early-career salary.